How to Money Pulling the Most Powerful Money Levers w/ Professor Kristen Carioti #1043
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Oct 1, 2025 In this discussion, Professor Kristen Carioti, a personal finance expert and author, shares her mission to elevate financial literacy among students. She emphasizes how making personal finance a graduation requirement at Mount Mary University meets students’ eagerness to learn. Topics include the importance of budgeting as a 'plan', teaching investment strategies for young adults, and the need to unlearn harmful financial habits. Kristen also warns against predatory financial products and promotes lifelong money learning through practical tools.
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Donut Business Shaped Her Money View
- Kristen's husband runs a donut business which shaped their household finances and schedules.
- She learned business seasonality and profit margins firsthand and uses that knowledge at home.
Students Crave Practical Money Education
- Students are hungry for financial literacy and ask about real topics like 401(k)s during unrelated classes.
- Mount Mary added a personal finance course and then made it a core graduation requirement.
Begin With Fundamentals And Unlearn Myths
- Start financial teaching from fundamentals and unlearn bad myths imported from parents or social media.
- Teach practical steps like opening a credit card responsibly and using it just for gas then paying it off each month.
